Fort Worth, TX · Cert 20231 · Pinnacle Bcorp Inc.
State charter, non-member · FDIC · 3 affiliate banks · 28 branches (172 in holding)
Q2 2026
Market Position · Dallas-Fort Worth-Arlington, TX · 2026 SOD (annual) · 0.3% share · #27 of 166 inst. · $1.9B of $732.8B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.58% | 0.63% | 0.97% | 1.05% | 1.08% | 1.14% | 1.37% | 1.41% | +36 bps | |
| Return on Equity | 5.19% | 5.60% | 8.44% | 8.84% | 8.99% | 9.30% | 10.57% | 10.81% | +197 bps | |
| Net Interest Margin | 2.32% | 2.51% | 2.92% | 3.05% | 3.14% | 3.21% | 3.54% | 3.59% | +54 bps | |
| Efficiency Ratio | 60.86% | 60.48% | 54.19% | 53.61% | 53.35% | 52.69% | 49.80% | 49.49% | -413 bps | |
| Non-Interest Burden | 1.27% | 1.38% | 1.49% | 1.54% | 1.58% | 1.59% | 1.65% | 1.66% | +12 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.50% | 2.12% | -0.11% | -4.06% | 1.69% | 1.79% | -1.20% | 1.22% | +528 bps | |
| Loan Growth (YoY) | -1.19% | 0.79% | 4.97% | 12.21% | 11.09% | 8.22% | 7.39% | 5.39% | -683 bps | |
| Deposit Growth (YoY) | 3.77% | 3.35% | 3.77% | 1.29% | 0.78% | -0.18% | -2.62% | 0.21% | -108 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.03% | 0.18% | 0.03% | 0.03% | 0.10% | 0.15% | 0.07% | 0.13% | +10 bps | |
| Net Charge-Offs / Loans | 0.58% | 0.43% | 0.01% | 0.01% | 0.01% | 0.01% | 0.01% | 0.01% | 0 bps | |
| Allowance / Loans | 1.13% | 1.18% | 1.19% | 1.16% | 1.16% | 1.18% | 1.17% | 1.16% | 0 bps | |
| Allowance Coverage of NPLs | 41.6x | 6.7x | 46.0x | 41.8x | 12.1x | 8.1x | 16.8x | 9.0x | -32.8x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.64% | 9.62% | 9.85% | 10.23% | 10.48% | 10.61% | 10.58% | 10.93% | +70 bps | |
| Total Risk-Based Capital | 15.54% | 14.95% | 15.09% | 14.90% | 14.98% | 15.21% | 14.75% | 15.19% | +29 bps | |
| Equity / Assets | 11.96% | 11.41% | 11.65% | 12.42% | 12.68% | 13.06% | 12.84% | 13.21% | +79 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 71.56% | 72.94% | 72.98% | 77.62% | 78.89% | 79.07% | 80.48% | 81.63% | +401 bps | |
| Liquid Assets / Assets | 4.97% | 5.00% | 5.78% | 1.56% | 2.87% | 3.90% | 3.14% | 4.23% | +266 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 460% | 456% | 477% | n/a | n/a | |